How to Get Your Free Credit Report And What to Do With It

Request corrections.
If some information is missing or inaccurate, contact (in writing) the reporting agency that made the mistake and ask them to correct it.
You should also contact the information provider if they originally made the mistake. This could be a utility company, a credit card company, an employer, or other creditor.

Provide proof.
You will have to provide proof of an error to get it corrected on your credit report.
If you cannot provide the proof or if they won’t correct the mistake, your best option is to ask them to include a statement of the dispute with your credit report so anyone who runs a credit check on you will see that you are disputing that information.

Get a corrected, free report.
You will receive another free copy of the report once it has been corrected.
You can obtain additional copies for a small fee if getting a credit report once a year is not enough for your needs, or order your three reports at different times throughout the year.
The credit bureau websites are Equifax.com, Experian.com, and Transunion.com. Just order one from each company every four months.
Take advantage of these free benefits! Stay on top of your credit score and safe from identity thieves.